Set money aside for food, transport and bills, then choose when and how much becomes available to you. Your money, released at your pace.
Your money. Your pace. Your schedule.Gold days are scheduled releases. Figures are examples, not recommended budgets.
When the whole balance is available at once, sticking to your budget takes constant willpower. Paly takes the temptation out of reach and keeps your plan intact.
Big spending early, then a long stretch with little left.
The same money, available in portions you chose.
You set it up once. Each plan has its own budget, length and release schedule.
Pick what you're managing: food, transport, bills, enjoyment or general spending.
Decide how much to allocate and the period it should cover.
Daily, weekdays, weekly or selected days, plus the time of day.
Portions become available when due, instead of the whole amount at once.
See your plan balance, upcoming releases and progress to completion.
Separate plans keep money for different needs from blending into one balance.
Released every day so lunch and dinner are covered all month.
Daily releaseReleased only on the days you commute.
Selected daysTwo plans, two schedules, one clear routine between income payments.
30 daysIllustrative figures only. They are not Paly pricing or recommended budgets.
Every feature exists so you can stick to the plan you made when you were thinking clearly.
Once a plan is funded, the money follows your release schedule instead of sitting in an always-open balance. Early withdrawal and ending a plan are deliberately restricted, because that restriction is the point.
Daily, weekdays, weekly or custom days, at the time you pick.
Run food, transport, bills and more side by side, each managed independently.
Going on leave? Pause the plan and resume when you're ready.
Real emergencies happen. An emergency unlock is available after a 72-hour wait, long enough for impulses to pass.
See what's available now, what's coming next, and every transaction.
Paly tells you when a plan is funded, when a withdrawal is requested, and whether a transfer succeeded or failed. If a transfer fails, you're told and the money is returned to your plan where applicable.
Those tools are useful. Paly does something different: it controls when your spending money becomes available.
| Budgeting apps | Savings apps | Paly | |
|---|---|---|---|
| Main purpose | Plan, track and understand spending | Put money aside toward goals | Control when portions of your money become available |
| Best for | Seeing where money went | Building long-term savings | Making money for daily needs last until the next income |
| Spending discipline | Relies on you to follow the limit | Money stays saved, not scheduled for use | The schedule does the limiting for you |
Paly isn't only for people with 9–5 jobs.
Stretch one payday to the next.
Set aside personal expenses from irregular income.
Make an allowance or grant cover the whole term.
Know the number, then let the schedule keep you to it.
No. Paly focuses on money you intend to spend, such as food and transport. It helps you spread that money over time. Saving can be one use, but it isn't the core idea.
Yes. Each plan has its own budget and release schedule, and you manage them independently.
You can pause a plan and resume it later. Early access and ending a plan are limited on purpose, so the schedule can't be dropped the moment you feel like spending more.
Emergency access is available after a 72-hour delay.
You'll get a notification, and Paly confirms when the money is returned to your plan where applicable. Your balance shouldn't be wrongly deducted or duplicated.
No product can. Paly gives you structure that makes following your own plan easier.
Create your first plan, set your pace and stay in control until the next payday.